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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $116,220 | $124,980-7.0% | $108,359+7.3% | $154,746-24.9% |
| Participation rate | 66.7% | 75.2%-8.5pp | 70.1%-3.5pp | 80.7%-14.0pp |
| Annual return | 14.24% | 45.00%-30.8pp | 36.89%-22.7pp | 172.34%-158.1pp |
| Employer contribution / active EE | $2,407 | $2,851-15.6% | $2,399+0.3% | $4,379-45.0% |
| Participant deferral / active EE | $5,805 | $4,743+22.4% | $4,137+40.3% | $6,730-13.7% |
| Admin fee / account holder | $32,811 | $11,502+185.3% | $9,741+236.8% | $14,365+128.4% |